NS Insurance Services LLC, doing business as NS Insurance (“NS Insurance,” “we,” “us,” or “our”), respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit getnsinsurance.com, request an insurance quote, complete one of our online or social-media forms, communicate with our agency, or use our services.
By using our website or submitting information to us, you acknowledge the practices described in this Privacy Policy.
Information We Collect
We may collect information that you voluntarily provide to us, including:
- Your name, mailing address, email address, and telephone number
- Information submitted through quote-request, contact, or lead forms
- Information about the insurance products or services you are interested in
- Details regarding drivers, vehicles, property, businesses, household members, beneficiaries, or other persons relevant to an insurance quote or policy
- Information needed to obtain quotes, submit applications, service policies, process requested changes, or assist with claims
- Communications you send to us by email, telephone, text message, social media, or through our website
- Documents or photographs you choose to provide
When necessary to provide insurance services, we may also collect additional information through secure insurance applications, carrier systems, or direct conversations with you. Please do not submit highly sensitive information, such as Social Security numbers, payment-card information, medical records, or account passwords, through an unsecured website form, text message, or social-media form unless we specifically direct you to an appropriate secure method.
Information Collected Automatically
When you visit our website, certain information may be collected automatically through cookies, analytics tools, pixels, server logs, and similar technologies. This information may include:
- Internet Protocol address
- Browser and device type
- Operating system
- Pages viewed and links selected
- Referring website
- Date and time of your visit
- General geographic area
- Interactions with our website or advertisements
We may use this information to operate and improve our website, measure advertising performance, understand how visitors use our services, and protect against fraud or misuse.
Information From Advertising and Social-Media Platforms
We may advertise or maintain business profiles on platforms such as Facebook, Instagram, Google, or other online services.
When you complete a lead form, send us a message, or otherwise interact with one of our advertisements or social-media profiles, we may receive the information you choose to provide. This may include your name, telephone number, email address, form answers, and information about the advertisement through which you contacted us.
Those platforms may separately collect and use information under their own privacy policies and terms. We do not control the privacy practices of third-party platforms.
How We Use Information
We may use the information we collect to:
- Respond to inquiries and quote requests
- Contact you about insurance products and services
- Identify insurance options that may fit your stated needs
- Obtain quotes from insurance carriers and other insurance markets
- Prepare, submit, and process insurance applications
- Service, renew, review, or modify insurance policies
- Assist with billing, claims, documentation, certificates, and policy-related requests
- Verify information and help prevent fraud
- Maintain agency and customer records
- Improve our website, advertisements, communications, and services
- Comply with legal, regulatory, contractual, and insurance-carrier requirements
- Protect the rights, safety, property, and security of our customers, agency, employees, and others
Submitting a quote request does not guarantee eligibility, coverage, pricing, or issuance of an insurance policy. Coverage is not effective unless and until it has been confirmed or bound by an authorized insurance representative or insurance carrier.
Calls, Text Messages, and Email
When you provide your contact information, we may use it to respond to your request and communicate with you about insurance products, quotes, applications, policies, or related services.
Depending on the permission you provide, we may contact you by:
- Telephone call
- Text message
- Voicemail
- Social-media messaging
Message and data rates may apply. Message frequency may vary. You may ask us to stop promotional text messages by replying STOP, or tell us that you no longer wish to receive promotional communications.
Opting out of marketing messages will not prevent us from sending communications that are necessary to respond to your request or service an existing policy, account, transaction, or legal obligation.
Consent to receive marketing communications is not a condition of purchasing insurance.
How We Share Information
We may disclose information when reasonably necessary to provide insurance services, conduct our operations, or comply with legal requirements.
Recipients may include:
- Insurance companies and underwriting organizations
- Managing general agents, brokers, wholesalers, and insurance marketplaces
- Premium-finance companies
- Claims administrators, adjusters, inspectors, and service providers
- Mortgage companies, lenders, lienholders, landlords, certificate holders, or other interested parties when requested or authorized
- Technology, communications, customer-management, document-storage, payment-processing, marketing, and website-service providers
- Professional advisers, auditors, regulators, law-enforcement agencies, courts, or governmental authorities
- A successor organization involved in a merger, acquisition, sale, or transfer of agency assets
We may also disclose information when you direct or authorize us to do so.
We do not sell personal information to third parties in exchange for money. We do not share text-message opt-in information with unaffiliated third parties for their own marketing purposes.
Insurance and Consumer Reports
When permitted by law and needed for insurance quoting, underwriting, servicing, or claims, insurance companies or their authorized vendors may obtain information from third-party sources. This may include motor-vehicle reports, claims-history reports, insurance scores, property information, inspection reports, or other consumer reports.
The collection and use of this information may also be governed by insurance laws, the Fair Credit Reporting Act, carrier privacy notices, and other applicable requirements.
Cookies and Analytics
Our website may use cookies and similar technologies to:
- Remember website preferences
- Understand traffic and visitor behavior
- Improve website performance
- Measure advertising results
- Detect technical or security issues
- Provide or evaluate relevant advertising
Your browser may allow you to block or delete cookies. Disabling cookies may affect how some website features operate.
Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure.
However, no website, email system, text-message service, storage platform, or internet transmission can be guaranteed to be completely secure. You should use caution when sending sensitive information electronically.
The FTC recommends that businesses identify the information they retain, limit collection to what is needed, protect retained information, dispose of it appropriately, and prepare for security incidents. Wisconsin law may also require notice when certain personal information belonging to a Wisconsin resident has been acquired by an unauthorized person.
Data Retention
We may retain information for as long as reasonably necessary to:
- Respond to your request
- Provide or document insurance services
- Maintain customer and policy records
- Satisfy insurance-carrier, regulatory, legal, accounting, and contractual obligations
- Resolve disputes
- Prevent fraud
- Enforce agreements
Retention periods may differ depending on the type of information and the purpose for which it was collected.
Your Choices
You may contact us to:
- Request that we update inaccurate contact information
- Ask how we use information you provided
- Withdraw permission for future promotional calls, emails, or text messages
- Request deletion of information, subject to legal, regulatory, carrier, contractual, and record-retention requirements
We may need to verify your identity before processing certain requests. We may be unable to delete information that must be retained for legitimate insurance, legal, regulatory, security, or business purposes.
Third-Party Websites
Our website may contain links to insurance carriers, payment platforms, social-media sites, or other third-party websites. We are not responsible for the content, security, or privacy practices of those third parties.
You should review the privacy policy of any third-party website before submitting personal information.
Children’s Privacy
Our website and services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through our website.
Information about minors that is reasonably necessary for an insurance quote, application, policy, or beneficiary designation should be provided by a parent, guardian, policyholder, or other authorized adult.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our operations, technology, services, or legal obligations. The revised policy will be posted on this page with an updated effective date.
When appropriate, we may provide additional notice of significant changes.